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The Credit Union has your best interest in mind
with a checking account. Choosing the
right account can help you eliminate a monthly
service fee, earn cash back and make it easy to
manage your money. Alliance FCU offers a variety
of checking accounts designed to meet your
financial needs. |
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All
About Checking |
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Checking accounts are multiple transaction
accounts that provide ready access to funds.
All checking account holders have unlimited
check writing privileges and no "per check"
charge. Overdraft Protection can be provided
from savings, credit cards or through a line
of credit with certain eligibility
requirements.
Deposits can be made to your
account in person, by mail, night depository
or through direct deposit. Transfers between
accounts are handled in person, by mail, by
CU Online or by telephone.
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Types of Checking Accounts |
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Personal
Checking
Power Checking
Accounts
- Put a little power
into your checking account! You must have
direct deposit or payroll deposit into this
account, otherwise the account will be
converted to an Alliance Checking Account on
the last day of the month and will be
subject to all applicable fees and charges.
Refer to the Rate and Fee Schedule.
click here for more
info...
Freedom Checking
Accounts
Want a little freedom
in your checking account? With a Freedom
checking account there are no monthly fees,
no minimum balance or limit on the total
number of checks you write each month.
Alliance Checking Accounts
If
you're looking for a basic checking account
with unlimited check writing, Alliance
Checking is a great option. Keep a $1000
minimum balance in your account and you
won't pay the $5 monthly service charge.
Gold Star Club
If you are 60 or older, you qualify
for our Gold Star Club. No fees on Money Orders
or CU Checks. You
receive 2 free boxes of AFCU custom checks
per year.
Business
Checking
Business Checking Accounts
Whether you’re a one-man show or a
hundred-man operation, we have the checking
account you need for your business. Contact
a
Financial Officer for more information.
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Power Checking |
Freedom Checking |
Alliance Checking |
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Monthly Service Charge |
None |
None |
$5.00* |
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VISA Check Card |
Free +
Cash Back Benefit |
Free |
Free |
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CU Online Banking |
Free |
Free |
Free |
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Online Billpayer |
Free |
$5.95/month |
$5.95/month |
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E-Statements |
Free - Required |
Free |
Free |
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Minimum Balance |
None |
None |
$1,000.00 |
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Access 24/7 |
Free |
Free |
Free |
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Direct Deposit |
Required |
Not Required |
Not Required |
Direct Deposit
Overdraft Fee |
$28.00 per
item |
$28.00 per
item |
$28.00 per
item |
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Per Check Fee |
None |
None |
None |
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Box of Checks |
2 free boxes
per year** |
as low as $17.10 per box |
as low as
$17.10 per box |
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Pre-Authorized Payments |
Free |
Free |
Free |
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NSF Fee |
$32.00 |
$32.00 |
$32.00 |
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Stop Payment Fee |
$20.00 per
request |
$20.00 per
request |
$20.00 per
request |
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Negative Balance Fee |
$2.00
assessed daily |
$2.00
assessed daily |
$2.00
assessed daily |
*Waived
if minimum balance is maintained.
**AFCU
Custom Checks Only.
(Pre-Existing DBA Checking Accounts have a $10.00 monthly service charge
are subject to same
fees as Alliance Checking). |
Statement Disclosure
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Account Services |
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Direct Deposit
Overdraft Protection
TOPS
(Terrific Overdraft Protection Service) If
you have been a member in good standing and
have established Direct Deposit to your
checking account, we will cover your
overdrafts up to the amount of your direct
deposit or to the maximum amount of $500.00,
minus the applicable fees.
\Each item we pay
instead of returning will have a NSF fee of
$28.00. Participation in this program is
automatic. Direct Deposit Overdraft
Protection may be terminated at any time for
abuse, or if the amount overdrawn regularly
exceeds the overdraft limit. Regular
overdraft protection from savings and other
accounts will apply first.
Automatic Transfers
Save time and enjoy peace of mind. Automatic
transfers are easy ways to make loan
payments and move funds regularly between
your various credit union accounts.
Automatic transfer choices:
•Deductions
from checking, regular savings, or premium
money market savings accounts
•Monthly or
semi-monthly transfers of fixed amounts you
designate
•Automatic
transfers are available on any day of the
month
•If the
transfer date falls on a weekend or holiday,
the transfer will take place the first
business day thereafter.
How to sign up for automatic transfers:
Just print, complete and return the
Automatic Transfer Authorization
. Sign and return the form by mail or at any
branch. |
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